Start here if you're new
what it is
It runs two Kentucky savings banks and mostly makes home loans.
how it gets paid
Last year Kentucky First Fed made n/a in revenue. Residential mortgage loans was the main engine at $29M, or 60% of sales.
what just happened
Quarterly revenue hit $12M, and EPS came in at $0.08.
At a glance
C+ balance sheet — struggling to keep the lights on
20/100 earnings predictability — expect surprises
48.5x trailing p/e — you're paying up for this one
$0.02 fy2025 eps est
$2B fy2026 rev est
xvary composite: 37/100 — weak
What they do
It runs two Kentucky savings banks and mostly makes home loans.
56 employees run the whole thing. That is a local machine, not a national one. Residential mortgages → home loans → 60% of modeled revenue, so your outcome leans on one housing-heavy lane.
How they make money
n/a
annual revenue
Residential mortgage loans
$29M
Commercial real estate loans
$7M
Consumer and home equity loans
$5M
Multi-family loans
$5M
Church loans
$2M
The products that matter
gathers deposits and funds loans
First Federal Savings and Loan
$2.83M net interest income · +23%
it's the operating core. the latest quarter produced $2.83M in net interest income, up 23%, which helped profit move from $13,000 to $304,000. same bank. very different quarter.
core franchise
lends into income-producing property
Commercial real estate loans
size not disclosed here
this is likely where a meaningful share of the earning assets sit, but the snapshot does not show book size or concentration. when the data is thin, you should assume the unanswered questions matter.
credit risk watch
basic consumer deposit base
Consumer banking and deposits
kentucky only
deposits are the raw material for a bank. here, the funding base comes from one state. that helps local knowledge and concentrates your risk in the same move.
single-state exposure
Key numbers
$0.02
fy2025 eps est
$2B
fy2026 rev est
48.5x
trailing p/e
n/a
dividend yield
Financial health
C+
strength
- balance sheet grade C+ — weak — may struggle to fund operations
- risk rank 3 — safer than 50% of stocks
- price stability 55 / 100
C+ — below average. watch for debt servicing and cash burn.
Total return vs. market
Return history isn't available for KFFB right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Quarterly revenue hit $12M, and EPS came in at $0.08.
EDGAR shows $12M in latest-quarter revenue and $0.08 EPS, both above the tiny scale you expect from a $38M bank. The company also reported $304,000 of net income in the quarter ended Dec. 31, 2025.
$12M
revenue
$0.08
eps
n/a
n/a
the number that mattered
EPS of $0.08 mattered most because it was up from $0.04 and showed the bank still makes money one share at a time.
source: company earnings report, 2026
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What could go wrong
the biggest risk is not abstract. you own a Kentucky-only bank that earned just $304K last quarter. that means local credit stress, deposit pricing pressure, or one bad underwriting call can show up in the income statement fast.
high
Kentucky concentration
All operations and lending are tied to one state. A local slowdown can pressure both sides of the balance sheet at once — weaker borrowers and tougher deposit competition.
100% of the franchise is exposed to the same local economy.
high
Thin earnings base
The latest quarter produced $304,000 of net income. That's better than $13,000, but it still means a single weak quarter can change the valuation story in a hurry.
When quarterly profit is measured in hundreds of thousands, small problems become big percentages.
med
Commercial real estate opacity
The snapshot flags commercial real estate lending as important, but it does not show loan book size, borrower concentration, or office exposure. Missing detail is its own risk in a bank.
You know the category. You do not yet know the concentration.
med
Post-OCC cleanup still needs proof
The termination of the OCC agreement in february 2026 is good news. It means one formal issue is over. It does not mean future execution risk disappears for a small lender with a C+ balance sheet grade.
One overhang is gone. The need for clean execution is not.
What would make the story weaker is straightforward: profit sliding back toward the $13,000 level or net interest income giving back the recent gain. What would make it cleaner is another quarter that holds above $304K without new credit surprises.
source: institutional data · regulatory filings · risk analysis
Pay attention to
earnings
Q3 2026 earnings report
Estimated for may 11, 2026. Here's the thing: you are not looking for heroics. You are looking for profit to stay above the $304K level instead of slipping back toward breakeven.
margin
Net interest income after the 23% jump
One strong quarter helped the story. You want to know whether spread income can hold without the bank stretching for riskier loans.
credit
Any sign of loan losses or reserve pressure
With quarterly profit this small, you do not need a crisis to dent earnings. You need one problem credit.
valuation
Whether earnings growth catches up to the 48.5x p/e
If profit scales, the multiple can cool down naturally. If profit stalls, you are left with an expensive stock and a tiny earnings base.
Analyst rankings
earnings predictability
20 / 100
Low predictability means quarterly results can swing around. In human-speak, analysts do not trust this bank to produce smooth, repeatable earnings yet.
risk rank
3
A rank of 3 reads middle-of-the-pack on safety. For a micro-cap lender, that is closer to “not broken” than “sleep well at night.”
source: institutional data
Institutional activity
institutional ownership data for KFFB is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$5
current price
n/a
target midpoint · n/a from current
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